How To Save On Alabama Homeowners Insurance – Local Homeowners Insurance Agents In Alabama

Helps:  Insurance companies are using credit scoring more and more to determine premium on homeowners insurance.

Increase Your Deductible:  A deductible is the amount of money you pay on a loss before your insurance company pays for a claim. The higher you set your deductible, the more money you can save off the premium. Currently insurance companies recommend a minimum deductible of 0. Ask your agent how much you would save if you went with a 00 deductible.  A deductible is the portion of any claim that is not covered by an insurance provider. 

Understanding Credit:  Did you know that most insurance companies today will run your credit report when calculating your premium for homeowners insurance? That’s why it’s so important to understand your credit score and how to improve it.

Rebuilding Costs:  Many times people think they need to insure their house for the amount the amount purchased.  This is not the case. If your house were to completely burn down, you would still have the land. Your agent will be able to help you calculate replacement cost of the house.

Private Insurance:  If you live in a high-risk area and have been buying your insurance through a government plan, you should check with an